@Albert Bui @Carlos Valencia There is no offset when you live in the 2-4 unit remember its a full HIt to your monthly PITIA and yes you can use the rental income but only as an addition to your qualifying income, you're still taking a FULL hit on the PITIA.Its only offset when you vacate or move out or it has already been converted to a rental (pure investment/non owner property). 

Unexpected Costs: Real estate has a lot of additional costs that aren’t always obvious.

**Verify Employment and Income Directly**: Since they might lack a U.S. credit score, contacting their employer directly can help verify their job status and salary.

Quote from @Stuart Udis: Have done over $15,000,000 in originations in the past 9 months and likely originating an additional $5,000,000 before end of year.

Here's an article with additional FAQs on cost segregation studies.https://www.biggerpockets.com/forums/51/topics/1113749-cost-segregation-faq

I'll do some additional digging in the comps with that lens in mind and report back. 

LTV & Equity Contribution: How much additional capital are you willing to invest, if any, given the property value?

We use a YTDpaystub and last year’s W-2(s) to calculate income several different ways:Hourly or salary income calculated to a monthly amountYTD income divided by number of YTD monthsYTD + W-2(s) income divided by the corresponding number of monthsIf these numbers vary too much, then we investigate and require an acceptable Letter of Explanation.Employment StabilityUnless an applicant has exceptional credit, we strive to determine their stability of employment to make surethey’ll always be able to pay the rent on time.

Additionally, ask for copies of all tenant leases, any recent inspection reports, and records of capital improvements, such as repairs or renovations.

The property’s potential for strong appreciation and steady rental income made it an attractive addition to my portfolio.